10186 Atchison Rd, Dayton, OH 45458 Property Records

Montgomery County property record for 10186 Atchison Rd, Dayton, OH 45458

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,082 sqft · built 1981
Lot Size	0.46 acres (20,038 sqft)
Owner	2 Individual Names on Record
Last Sale	$395,000 (Apr 2021)
Tax Bill	$8,934 (2024)
Deeds & Mortgages	Jun 2020 Mortgage Jun 2020 Loan Modification + 2 more
Flood Zone	Zone X (minimal risk)
APN	`O67 28102 0014`

Property Details

APN / Parcel Number

Primary APN	`O67 28102 0014`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	3,082 sqft Living Area
1st Floor Area	1,288 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1981
Architectural Style	Colonial
Exterior Material	Combination
Construction Type	Frame
Lot Area	20,038 sqft
Lot Dimensions	199 ft deep x 101 ft wide
Garage Area	575 sqft
Parking Spaces	2 Parking Spaces
Deck Area	720 sqft
Patio Area	720 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	10186 ATCHISON RD
City	DAYTON
State	OH
Zip	45458-9209
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	93 POLO CLUB ESTATES SEC 3
Legal Subdivision	POLO CLUB ESTATES SEC 3
Legal Lot Number	14
Jurisdiction	MONTGOMERY OH
Township / Civil Division	WASHINGTON
Census Block Group	2
Census Block	2004
Census Tract	40305

Owner

Source: Montgomery County records, as of January 26, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	10186 ATCHISON RD, DAYTON, OH 45458-9209
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 4, 2020	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV
Jun 4, 2020	Loan Modification, Mortgage · FHA Mortgage QUICKEN LNS
Jun 14, 2019	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LNS
Feb 10, 2017	Warranty Deed, Transfer · FHA Mortgage PRIME LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 22, 2021 · Amount on Record
Deed Sale	Apr 22, 2021 · Amount on Record
Prior Sale	Feb 10, 2017 · Amount on Record
Deed Document Number	202100030591
Record Updated	Jun 8, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY OH
Property Address	10186 ATCHISON RD, DAYTON, OH 45458-9209
Document Number	0000036332
Instrument Date	Jun 4, 2020
Transaction Type	Mortgage
Record Updated	Aug 14, 2020
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10186 ATCHISON RD WASHINGTON TOWNSHIP OH 454589209, WASHINGTON TOWNSHIP, OH 45458-9209

Mortgage

Document Number	0000036332
Date	Jun 24, 2020
Instrument	36332

Lender

Name	HUD-HOUSING/URBAN DEV
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 23, 2050

June 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MONTGOMERY OH
Property Address	10186 ATCHISON RD, DAYTON, OH 45458-9209
Document Number	0000036331
Instrument Date	Jun 4, 2020
Transaction Type	Mortgage
Record Updated	Aug 14, 2020
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10186 ATCHISON RD WASHINGTON TOWNSHIP OH 454589209, WASHINGTON TOWNSHIP, OH 45458-9209

Mortgage

Document Number	0000036331
Date	Jun 24, 2020
Instrument	36331

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 23, 2050

Interest

Rate	3.25%

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY OH
Property Address	10186 ATCHISON RD, DAYTON, OH 45458-9209
Document Number	0000033332
Instrument Date	Jun 14, 2019
Transaction Type	Mortgage
Record Updated	Aug 14, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10186 ATCHISON RD WASHINGTON TOWNSHIP OH 454589209, WASHINGTON TOWNSHIP, OH 45458-9209

Mortgage

Document Number	0000033332
Date	Jun 28, 2019
Instrument	33332

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 27, 2049

February 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONTGOMERY OH
Recording Date	Feb 10, 2017
Property Address	10186 ATCHISON RD, DAYTON, OH 45458-9209
Document Number	0000008871
Instrument Date	Jan 27, 2017
Instrument	8871
Transaction Type	Transfer
Record Updated	Feb 23, 2017
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$870.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10186 ATCHISON RD DAYTON OH 454589209, DAYTON, OH 45458-9209

Mortgage

Document Number	8872
Date	Feb 10, 2017
Instrument	8872

Lender

Name	PRIME LNDG
Address	DALLAS, TX 75252

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 9, 2047

Tax Assessment & Valuation

Source: Montgomery County assessment roll, as of January 1, 2025

Property Jurisdictions

Type	Name
State	Ohio
County	Montgomery County
County Subdivision	Washington Township
Unified School District	Centerville City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$133,530 (-) Land $24,330 Building $109,200
2024	$8,934.00 (+8.65%)
2023	$8,223.00 (+9.96%)	$133,530 (+39.01%) Land $24,330 Building $109,200	$381,500 (+39%) Land $69,500 Building $312,000
2022	$7,478.00	$96,060 Land $17,500 Building $78,560
2020			$274,460 Land $50,000 Building $224,460

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective June 21, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	5 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 97% of the US · lower than 85% of Ohio
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	MONTGOMERY COUNTY WATER SERVICES 1 PWS serves 150,207 people · EPA ID OH5701315
Water Source	Purchased surface water from DAYTON PUBLIC WATER SYSTEM
Last State Inspection	Jan 2025
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Corrosion control Jul 2017
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 185 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Point Broadband Fiber	1,000 / 1,000
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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